Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2026
Waterstone Financial, Inc. (WSBF) filed an SEC Form 8-K — Results of Operations and Financial Condition. EX-99.1 2 ex_967697.htm EXHIBIT 99.1 ex_967697.htm Exhibit 99.1 Waterstone Financial, Inc. Announces Results of Operations for the Quarter and Six Months Ended June 30, 2026 . WAUWATOSA, WI – 7/23/26– Waterstone Financial, Inc. (NASDAQ: WSBF), holding company for WaterStone Bank,
Facts are quoted from the filing text and checked against it. Details that could not be matched to the text are left out.
How this was made
The 30-second read
Why it matters
Key decision inputs include profitability (net income, ROA/ROE), funding and earning power (net interest margin), asset quality (nonperforming assets, past-due loans), and capital return (repurchases and dividend).
Market read
The quarter shows improved NIM to 3.03% and higher net income, alongside continued buybacks and a dividend, which can influence near-term positioning in small-cap regional bank baskets.
What to watch
NIM improvement is attributed to yield and cost of funds changes; traders may want to watch whether deposit growth and funding-cost tailwinds persist into the next quarter, and whether credit qualitative factors continue to pressure provisions.
Background
SEC Form 8-K Item 2.02 with Exhibit 99.1 reporting Waterstone Financial’s results for the quarter and six months ended June 30, 2026.
Ticker impact
Waterstone Financial reported Q2 2026 net income of $8.5M and quarterly net interest margin of 3.03%, plus $6.5M returned via buybacks and dividends.
Likely modest positive bias as NIM hit the highest level since 12/31/2022 and book value per share rose during the quarter.
This is a primary-source 8-K with quantified results and management commentary. However, it is not accompanied by explicit forward guidance or a major one-off event, limiting upside surprise potential.
Market effects
Adds another data point on community bank profitability via deposit cost reduction and loan yield improvement.
Primarily relevant to US regional/community banking sentiment.
Limited, as the disclosure is company-specific.
Counterpoint
Mortgage banking pre-tax income fell 20.2% year over year, and credit-loss provisions rose versus the prior year quarter, which could temper the earnings quality narrative.
Key entities
- issuerWaterstone Financial, Inc.
Community bank holding company reporting Q2 2026 results and capital actions in an 8-K.
- subsidiaryWaterStone Bank
Operating bank referenced as the primary banking entity under the holding company.
